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    • Hi everyone, I have an update on my case that I’d like to share with you all.  so after submitting 371 pages in my bundle, a witness statement and skeleton argument for my court case due to take place in Manchester on June 21st I got an email from my litigator stating that hmrc have pulled out and the case is now closed!    this is the body of the letter….. This letter, which is copied to the Appellant, pursuant to Rule 17 of the Tribunal Procedure (First-tier Tribunal) (Tax Chamber) Rules 2009, the Respondents gives notice to the Tribunal of their intention to not defend the above appeal.   The Respondents respectfully invite the Tribunal to allow the appeal and close its file. In lieu of the above the Respondents would respectfully ask the Tribunal to vacate the hearing scheduled for Friday 21 June 2024. We would accordingly invite the Tribunal to close its file. Obviously this is extremely good news which hasn’t sunk in that after 3 years of fighting it is over.    I do have a further fight on my hands in that the Group Action I had joined with Independent Tax that had been disbanded in November last year and I chose not to continue with them. They are trying to bill me over 5k for the work they did under that Group Action which is ludicrous bearing in mind the whole point in joining was that it would keep the cost to a minimum as it would be shared between us all. They had asked if I wanted to continue to have them represent me on an individual level which I declined, if I hadn’t, goodness knows what they would have been trying to charge me now. 
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MKDP Credit Report Entry


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Hi,

 

Got a little update logged onto my credit report today and the MKDP default has now been removed. What are they playing at?

 

Thanks

 

 

If there is no CCA available possibility is that MKDP have sold it on or returned it to the original creditor.

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Ok Thankyou for the reply, Seems very strange though.

The workings of the debt collection " industry" are more underhand than strange!!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi All,

 

I received a response(attached) to the PPI complaint this morning they quoted sending me response on both account numbers but only quote an actual response on the second one.

 

I would appreciate some input on what I should do now?

 

Thanks

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what the hell are they playing at?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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that's a really bizarre reply

 

why not give the FSCS a ring

 

findout what is going on.

 

they should certainly be dealing with the PPI side of life

 

as for the charges, yet to get a specific reply I take it/

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

well as far as I know the FSCS don't refuse claims

 

welcome staff are operating 'under their guidance'

 

cant see how a PPI claim this side of jan 2005 can be rejected

 

you have evidence you had PPI ... all documented in the statements

so lets see.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Ok spoke with the FSCS and

 

they are saying 2 responses have been sent out.

 

One for the second account number and one for the first account number,

 

they are saying because the second account number doesnt have any PPI I can't claim for that account,

 

however I can claim only using the FSCS form for the first account number,

 

any amount carried onto the second account number will be investigated.

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ok that sounds correct

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 weeks later...

Hi,

 

Just to give everyone a quick update.

 

Default is no longer showing from MKRR

MKRR have responded with two letters saying they are working with welcome in find my original agreement sounds like they are not having much luck.

FSCS have reponded with they are looking into my PPI claim

Welcome have responded with they are looking into my dispute regarding the unfair charges.

 

All awaiting responses.

 

Thanks..

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  • 2 weeks later...

Hi All,

 

I have had a successful response regarding one of my claims not the charges yet but my PPI claim from the FSCS

albeit less than what was calculated,

 

One thing that is confusing me is the amount of £370.63 regarding the cancellation of Loan 1 on the attached calculated response sheet.

 

Is this something that I can now ask Welcome back for as I can't see it being refunded on my SAR?

 

It would be much appreciated for someone to have a look at the response which I will attach

 

 

 

Many Thanks.

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again I think there are issues here

 

they cant offset if welcome have sold the loan

 

and I cant make any real head nor tail on their cals

 

id be askig for a breakdown spreadsheet and about the offset issue.

 

give em a ring or letters.

 

I cant find falut in my spreadsheet

though I see I've missed a £90 payment to the first loan right at the end

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

I should be around

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

dunno

but if you add that to their reclaim figure

that almost equals the PPI spread figure

when that extra £90 payment on 31/7/2008

is added in to it.

 

to be honest

 

the whole thing looks like a co-up from day one!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

you will find its welcome staff operating under the guidance of the FSCS.

 

were you transferred when you phoned them before

after you gave the ref number?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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